Navigator Credit Union Ocean Springs MS | Low Mortgage Rates & Auto Loans

Introduction

At Navigator, we believe in creating a community where financial dreams can take flight. Located at 3811 Bienville Blvd, Ocean Springs, MS 39564, our branch has been serving the needs of local members since 1939. With a strong commitment to enhancing the financial well-being of our 46,945 members, we proudly manage total assets of $411,852,327 and offer a variety of services that include personal banking, auto loans, and business financing. Our dedicated team of 142 employees, led by CEO Sonya Lawler and Board President Tommy Leonard, is here to provide personalized support tailored to your unique financial situation. Whether you're looking for an auto loan or need assistance with savings accounts, we have the expertise and resources to help you achieve your goals. While members can visit us at our Ocean Springs location for all their banking needs, official correspondence should be sent to our mailing address: PO Box 1647, Pascagoula, MS 39568-1647. We invite you to explore our website at navigatorcu.org for more information about our services. At Navigator, we understand that trust is built through transparency. That's why we are proud to share that we currently hold total deposits of $46,495,955, net worth of $60,079,404, and cash in hand amounting to $8,906,274. This solid foundation allows us to continue supporting our members with confidence and care. Join us as we work together towards a brighter financial future! Feel free to call us at (228) 475-7300 or visit us during our operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Let's make your financial aspirations a reality today!

Branch History & Mission

Commitment to Accessibility

Navigator is dedicated to ensuring that all members have access to our services. Our branch features ADA-compliant facilities and offers digital advancements such as online and mobile banking options. For those who prefer face-to-face interaction, we're here for you during convenient operating hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. We also provide ATM access and drive-thru banking services for quick transactions on the go. While members can visit us at 3811 Bienville Blvd Ocean Springs Ms 39564, official correspondence should be sent to PO Box 1647, Pascagoula, MS 39568-1647.

Join Us!

As we look ahead, Navigator remains committed to fostering financial well-being in Ocean Springs and beyond. We invite you to join our growing family of satisfied members who enjoy personalized service tailored to their needs. Experience the benefits of being part of Navigator today! For inquiries or assistance, feel free to call us at (228) 475-7300 or visit our website at navigatorcu.org. Together, let's navigate your financial future!

Our Mission

Our mission is simple yet profound: to empower our members with accessible financial services while nurturing a strong sense of community. We believe that financial stability should be within everyone's reach. That's why we offer a range of services from personal banking like checking and savings accounts to auto loans, mortgages, credit cards with rewards, and business banking solutions. We aim to support every member's journey toward achieving their financial goals. In addition to our comprehensive banking services, we are committed to giving back to the communities we serve. We engage in various outreach efforts that promote education and sustainability within local neighborhoods. Whether it's through workshops or partnerships with local organizations, we strive to make a meaningful impact beyond just banking.

Branch Location & Accessibility

Accessibility Features

At Navigator, we believe banking should be accessible for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and spacious layouts to ensure comfort for all visitors. Ample parking is available right outside the building for your convenience.

Get in Touch

Have questions or need assistance? Feel free to give us a call at 228-475-7300. Our friendly staff is ready to help! We invite you to visit us at Navigator Credit Union's Ocean Springs Branch where community matters and financial wellness begins. Come see how we can support your financial journey today!

Operating Hours

We understand that your time is valuable. That's why our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, and we also offer drive-thru service on Saturdays from 9:00 AM to 1:00 PM. Whether you prefer stopping by during the week or on the weekend, we're here to serve you!

Services Offered

Our Ocean Springs Branch provides a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. We also offer credit cards with rewards and business banking solutions. Plus, you can access cash easily with our ATM and drive-thru services.

Member Eligibility

At Navigator, we believe in building a welcoming community where everyone can thrive. Becoming a member is simple and rewarding! If you live, work, or worship in the Ocean Springs area, or have family ties to our community, you are likely eligible to join us. We're here to support your financial journey with benefits like competitive loan rates, personalized service, and access to exclusive member resources. To explore all the details about eligibility and see if you qualify, feel free to visit our website at . Once you're ready to take the next step, opening an account is a breeze just check out the straightforward process outlined here: https://loans.navigatorcu.org/. If you have any questions or need assistance, don't hesitate to call us at (228) 475-7300. We're excited to welcome you into the Navigator family!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify everyday transactions for your business. Imagine having a reliable payment processing solution that allows you to accept payments quickly, whether it's in-store or online. This means you can focus on what you do best growing your business while we handle the financial transactions. Visit us at 3811 Bienville Blvd Ocean Springs Ms 39564 or call us at (228) 475-7300 to learn how our tailored services can help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,751,528, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessible Customer Support

Have questions? We're just a phone call away at (228) 475-7300. Our team is eager to assist you with any inquiries regarding our services or help guide you through setting up an account. At Navigator, we believe in building strong relationships with our members by providing comprehensive financial solutions that cater to individual needs. Come visit us at 3811 Bienville Blvd Ocean Springs Ms 39564 in Ocean Springs, MS, or explore more about what we offer at our website. Let's work together towards achieving your financial dreams today!

Business Banking Services

For local businesses, we understand that every dollar counts. Our business banking solutions include merchant services and business loans tailored to help your company thrive. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why Navigator offers robust online and mobile banking services. You can easily check your balances, transfer funds, and pay bills from anywhere at any time. Our ATM services ensure that cash is always within reach for withdrawals or balance checks. And if you prefer face-to-face interactions for simple transactions, our drive-thru banking is ready for you during lobby hours.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money effectively. Imagine having an account that fits your lifestyle, whether you're saving for a vacation or managing daily expenses. Plus, our credit cards come with rewards that make every purchase more valuable. If you're considering a new vehicle, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing options to assist you in buying your dream home or reducing your current payments. For those unexpected expenses or plans you've been putting off, our personal loans and debt consolidation services can provide the financial relief you need.

Digital & Online Banking

At Navigator, we understand that modern banking should be both convenient and secure. That's why we offer a range of digital and online banking services designed to make managing your finances easy, whether you're at home or on the go. With our 24/7 online banking services, you can access your accounts anytime through our user-friendly platform available at https://navigatorcu.org/. Check balances, pay bills, and transfer funds all with just a few clicks. Need to send money to a friend? Our person-to-person transfers feature allows you to do that quickly and securely, making it simple to share expenses or settle debts. For those who prefer mobile solutions, our mobile application is ready for download. This app not only provides all the functionalities of our online banking but also offers added features like notifications to keep you updated on your account activity. Plus, you can enjoy the ease of e-statements a paperless way to manage your statements that helps reduce clutter while keeping everything organized. Security is at the heart of what we do. With electronic signature authorization, signing documents has never been easier or more secure. You can trust that your information is protected while you take care of your banking needs from wherever you are. While we currently do not offer mobile payments, our commitment to enhancing your banking experience is unwavering. We're always looking for new ways to improve our services and meet your needs. In summary, whether you're checking your balance in bed or transferring money during lunch, Navigator makes digital banking easy and accessible for everyone. Join us today and discover how simple managing your finances can be!

Financial Strength

At Navigator, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We're proud to share that our strong financial foundation ensures that we can support you in achieving your financial goals. With a net worth of $60,079,404, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,458 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $64,172,535 in share certificates and $22,509,634 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $56,236,413 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is clear with $5,952 in used auto loans and $276,832,295 in total loans and leases, supporting members' financial goals across various sectors. Our operational efficiency is reflected in our $1,769,223, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 142 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares amounting to $11,880,132, we have funds available for lending and investments that further enhance your experience with us. Our growing member base trusts us with their finances, as shown by our 151,425 total share accounts. This trust underscores our dedication to providing excellent service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Navigator is your trusted partner. Visit us at 3811 Bienville Blvd Ocean Springs Ms 39564 or call (228) 475-7300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. With over $113,650,805 in used vehicle loans and $39,023,114 in new vehicle loans already helping members get on the road, we make it easy for you to drive away in the vehicle you desire.

Business Loans

For business owners looking for growth opportunities, our outstanding commercial loans totaling $1,751,528 provide the capital needed to expand your operations. We're committed to supporting local businesses and fostering economic growth within our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $6,477,893, making buying or refinancing simple. We believe that having a place to call home should be accessible and straightforward.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for different loan types, our team is ready to guide you through the process. We strive to make borrowing as simple and beneficial as possible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Navigator, we take pride in offering personalized service and competitive rates that cater specifically to your needs. Whether it's an auto loan or a credit card solution, we're here for you! Visit us today and discover how we can help fulfill your financial dreams.

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $8,715,343 in loans helping members manage their finances effectively. These cards are designed to give you the freedom and flexibility to make purchases without immediate cash.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This rigorous sourcing process guarantees that users receive accurate and up-to-date information, allowing them to make informed decisions when it comes to their financial needs.

Navigator